Denise Appleby

Denise Appleby is founder and owner of Appleby Retirement Consulting,which provides technical consultation, content, coaching, writing, editing and training services on related topics.

With more than 14 years of experience in the IRA and defined-contribution plans fields, Appleby has held several senior retirement-plan related positions with Pershing LLC, which included vice president of plans products and services, retirement plans manager, trainer, training manager, compliance consultant, technical help desk manager and writer.

Appleby's wealth of knowledge in retirement plans lead to her making appearances on CNBC's Business News and being quoted in The Wall Street Journal, where she gave her insights on retirement planning. Her expertise and knack for explaining complex retirement plans rules and regulations in a manner which makes them easily understood, has created a demand for her to speak at various conferences and seminars around the country.

Appleby has extensive experience in the field of training the staff and financial advisors of many broker-dealers on retirement plans and related topics.

Appleby has written over 200 articles for several newsletters, including the Pershing LLC's SixtySomething, Pershing LLC's The Pershing Press, Ed Slott's IRA Advisor and Investopedia. She is also an editor, providing technical editing services for books, newsletters, articles and other material on retirement plans and retirement planning. Books edited by Appleby include "Quick Reference to IRAs" by Gary lesser and Don Levy (2003); "SIMPLE, SEP and SARSEP Answer Book" by Gary Lesser and Susan Diehl, "Parlay Your IRA Into a Family Fortune" by Ed Slott.

During her employment with Pershing, Appleby served as a member and firm representative of the Security Industry Association's (SIA) Retirement and Savings Committee. She has also spoken at the SIA Savings & Retirement Symposium, which is attended by financial services professionals from a variety of fields, including marketing, sales, legal, operations, and strategic planning.

Appleby has received several recognition awards for outstanding job-related performances. These include Pershing's leadership award for significant contribution to the development of a system rules engine as well as policies and procedures for dealing with the changes effected by new tax laws. She was also a recipient of the Outstanding Representative Award from the New York Metropolitan Society of Consumer Affairs Professionals

Appleby, a Rutgers State University graduate, holds the following professional certifications:

  • Accredited Pension Administrator (APA), National Institute of Pension Administrators, Chicago IL
  • Certified IRA Services Professional (CISP), Institute Of Certified Bankers, Washington DC
  • Chartered Retirement Plans Specialist (CRPS), College of Financial Planning, Denver CO
  • Certified Retirement Counselor (CRC), International Foundation for Retirement Education (InFRE)
  • Certified Retirement Services Professional (CRSP), Institute Of Certified Bankers, Washington DC
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  1. Retirement

    If I am no longer employed, can I roll over a 403(b) plan ...

    Now that you are no longer working with the (former) employer that established your 403(b) account, you may roll your 403 (b) balance to your Traditional IRA. Generally, only a signed contribution form ...
  2. Retirement

    Can I return funds to my Roth IRA after I have taken it ...

    Yes. You can roll over the amount to the Roth IRA, or another of your Roth IRAs (excluding inherited Roth IRAs), provided the amount is rolled over within 60 days from when you received the amount and ...
  3. Entrepreneurship

    I am starting a limited liability company (LLC). I will ...

    In a word, yes. A limited liability company (LLC) is eligible to establish a simplified employee pension (SEP). Keep in mind that plan contributions (including SEPs) are usually based on W-2 wages if the ...
  4. Retirement

    Can a spouse who is not named as a beneficiary receive assets ...

    It depends.Generally speaking, the designation of beneficiary form dictates who receives the assets from the individual retirement account (IRA). Therefore, no one else is entitled to receive any share ...
  5. Options & Futures

    How do my siblings and I receive inherited pension benefit ...

    Generally, the provisions of the plan document determine the distribution options available to beneficiaries of retirement plan assets. From a regulatory perspective, you are allowed to distribute the ...
  6. Retirement

    Can IRAs be held jointly by spouses?

    An individual retirement account (IRA) must be established and maintained on an individual basis. It cannot be held jointly. However, the IRA owner may designate his or her spouse (or any other party) ...
  7. Taxes

    6 Important Retirement Plan RMD Rules

    Paying taxes is inevitable - that's why you need to learn about the rules for required minimum distributions.
  8. Retirement

    Roth IRAs Tutorial

    This comprehensive guide goes through what a Roth IRA is and how to set one up, contribute to it and withdraw from it.
  9. Taxes

    Recharacterizing Your IRA Contribution or Roth Conversion

    Learn why you might make such a transaction and find out how to calculate how it will affect you.
  10. Taxes

    An Introduction to Roth IRAs

    Be sure to consider the tax benefits and the eligibility requirements of the Roth IRA.
  11. Retirement

    Traditional IRA Deductibility Limits

    Find out whether you can take a tax deduction on the contributions you make.
  12. Retirement

    Roth vs. Traditional IRA: Which Is Right For You?

    To answer this question, you need to consider several of the factors we outline here.
  13. Retirement

    Making Spousal IRA Contributions

    Eligibility requirements, contribution limits and tax deductions all change with one little ring.
  14. Taxes

    Tax-Saving Advice for IRA Holders

    Be informed about benefits and deductions that may apply to you and avoid costly mistakes on your return.
  15. Taxes

    New Retirement Plan Limits for 2016

    Here's what the limits look like for 2016, compared to 2015 (the taxes you'll file in April).
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